Seminole County property record for 646 Saranac Dr, Winter Springs, FL 32708
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,979 sqft · built 1986 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Apr 1996) |
| Tax Bill | $3,654 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Nov 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-31-5HS-0000-0620 |
| Primary APN | 08-21-31-5HS-0000-0620 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,979 sqft Living Area |
| Gross Area | 2,463 sqft |
| 1st Floor Area | 1,979 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 433 sqft |
| Patio Area | 488 sqft |
| Utility Building | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 646 SARANAC DR |
|---|---|
| City | WINTER SPRINGS |
| State | FL |
| Zip | 32708-5606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 62 TUSCAWILLA UNIT 14A PB 32 PGS 21 TO 24 |
| Legal Range | 31E |
| Legal Township | 21S |
| Legal Section | 08 |
| Legal Subdivision | TUSCAWILLA UNIT 14A |
| Legal Tract | 5HS |
| Legal Lot Number | 62 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 21313 |
Source: Seminole County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 646 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Nov 29, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 1996 · Amount on Record |
| Deed Sale | Apr 15, 1996 · Amount on Record |
| Prior Sale | Oct 1, 1991 · Amount on Record |
| Deed Book / Page | 3059 / 463 |
| Last Transfer Date | Nov 15, 2023 |
| Transfer Doc | 0105441360 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 646 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 646 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Document Number | 0109841437 |
|---|---|
| Date | Feb 17, 2026 |
| Book Page | 10984/1437 |
| Instrument | 2026015750 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Feb 9, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Nov 29, 2023 |
| Property Address | 646 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Document Number | 0105441360 |
| Book / Page | 10544 / 1360 |
| Map Reference | MB 32 PG 21 |
| Instrument Date | Nov 15, 2023 |
| Instrument | 2023108846 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 646 SARANAC DR, WINTER SPRINGS, FL 32708-5606 |
| Name | Verified Name |
|---|---|
| Address | 510 SAGECREEK CT, WINTER SPRINGS, FL 32708-2730 |
Source: Seminole County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Winter Springs City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,654.00 (+11.13%) | $256,054 (+5.99%) | $531,159 (+13.75%) Land $150,000 Building $381,159 |
| 2023 | $3,288.00 (+3.04%) Homeowner's exemption | $241,590 (+3%) | $466,937 (+8.74%) Land $140,000 Building $326,937 |
| 2022 | $3,191.00 Homeowner's exemption | $234,553 | $429,420 Land $120,000 Building $309,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 30 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2021 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER SPRINGS, CITY OF (3 WPS) serves 34,657 people · EPA ID FL3590879 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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